VA Approved Lender | Grove Mortgage LLC | NMLS License # 396191
Providing Texas Vet home mortgage loans in San Antonio and throughout Texas.
210-656-1134

Texas Vet Home Loans


Pre-qualify, learn and get information for Texas Vet home loans.


Texas Vet Loans

Why choose a Texas Vet Loan

The Texas Veterans Land Board (VLB) Veterans Housing Assistance Program offers qualified Texas Veterans and Active Military Members living in or moving to Texas an unbeatable, low-interest loan with little or no money down on primary residences in Texas.

Texas Vet home mortgages can be originated as a VA Texas Vet home loan, FHA Texas Vet loan or Conventional Texas Vet home loan.

Texas Veterans Land Board

The Texas Veterans Land Board (TVLB) was created by the states Legislature in 1946. Then in 1983 the (TVLB) started doing home loans for those who plan to use the home for their Primary Residence.

These mortgages are available to Honorable discharged Veterans who served in the Marines, Army, Air Force, Navy, Coast Guard or the National Guard.

What are the lending limits?

The Maximun home Loan Limit is $417,00.

Loan Terms:

Housing loans are available with 30, 25, 20 or 15 year terms. Home Improvement loans are available with 2 to 20-year terms.


Links to additional Texas Vet Loan information:

Texas Vet Loans Eligibility

Forms for documentation that is required for these special Texas Vet loans.

VA Loans Page.

Veterans Land Board

Property Requirements for Texas Vet Loans

A VLB Home Loan may be used to purchase a home that meets these requirements:

  • Must be the veteran’s primary residence
  • Must be located in Texas
  • Must be a single family attached or detached home, town home, or condominium
  • Duplexes or other multi-family units must have been constructed at least five years prior to the closing date of the loan.
  • Manufactured / modular homes may be eligible. Contact the VLB or participating lender to confirm.
  • All new construction homes must meet:
    • The Environmental Protection Agency's (EPA) guidelines for ENERGY STAR® qualified homes, and must be ENERGY STAR® labeled and certified; OR
    • A HERS Index Score of 75 or less following the RESNET National Home Energy Rating Standards and must have an energy rating Certificate that documents the HERS Index score of 75 or less

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Disabled Veterans benefits for VA Loans and Texas Vet mortgages

There are a number of benefits for Veterans with disability ratings from VA from
the Veterans Affairs, Texas Veterans Land Board and the State of Texas.

VA Loan disabled Veteran benefits in Texas

Veterans purchasing or refinancing with with a VA loan that are guaranteed by the U.S. Department of Veterans Affairs that are 10% or greater service connected disability rating are exempt from the VA funding fee. Learn more information about the VA Funding Fee here.

Texas Vet Loan disabled Veteran benefits

The Texas VLB offers Disabled Veterans an interest rate reduction on their VLB Home or Home Improvement Loans.

The veteran must have a compensable service-connected disability of 30 percent (30%) or greater as verified by an Award Letter from the Department of Veterans Affairs (VA).

The reduction is 1/2 of 1 percent (50 basis points) on the available VLB loan interest rate.

Property Tax Exemption Benefits for disabled Veterans in Texas

A disabled veteran in Texas may receive a property tax exemption of up to $12,000 on their primary residence, depending on the disability rating. A full property tax exemption is available for veterans who are 100 percent disabled as a result of service.

Can we use a Texas Vet Loan to Refinance?

Not allowed, these loans are only for purchasing.

  • All Texas Veterans Land Board loans are subject to credit approval.
  • VLB Base Rate is subject to adjustment on the first business day of each week.
  • Note: If more than one rate lock is obtained in a twelve-month period, the highest locked rate will prevail.

New construction homes Requirements

To be eligible for VLB Home Loan financing, new-construction homes must meet the federal government standards for energy efficiency in the Energy Star program or have a HERS index score of 75 or less.

The veteran must occupy the home within 60 days after the closing of the loan, and the home must remain the veteran's primary residence for at least three years.

Why choose Grove Mortgage for your San Antonio home loan?

We are located in San Antonio, Texas and are Licensed Mortgage Broker and a VA Approved lender and have been specializing in VA Loans throughout Texas since 2002.

We can help you accomplish your home purchase or home refinance with expert service, fast closing and very low fees.

To speak with a home loan specialist call
210-656-1134 or
Apply Online Now!

Find out how much you qualify for with No Cost, No Credit Check, and No Obligation!

We are located in San Antonio, Texas and are Licensed Mortgage Broker and a VA Approved lender and proudly boasts an A+ rating from the Better Business Bureau. Better Business Bureau

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